Altitude Business Platinum Mastercard
Rewarding new business owners with meaningful rewards to help get your business up and running.
150,000 Altitude Reward Bonus Points
Earn up to $150,000 bonus Altitude reward bonus points on your approved Altitude Business Platinum credit card.
This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.
Tap into more rewards with a Westpac Altitude Business Platinum credit card
Uncapped Reward Points
Earn up to 2 points per $1spent on purchases, including government payments.
Complimentary Insurances1
From travel to purchases we have you covered with our platinum insurance benefits.
Personal Concierge Service
Priority access, upgrades, savings with dedicated expert support 24/7.
More reasons to choose a Westpac Altitude Business Platinum credit card
Business Money Tools
Spend less time on business admin with bank feeds2 and Westpac money tools.
Interest Free Days
Manage your cashflow with up to 55 days interest free on purchases.
How to Apply Online
Our Altitude Business Platinum credit card is a personal liability product that is designed for sole trader or partnership business structures. You can apply securely online and receive a response in 60 seconds.
Other features and benefits
One additional cardholder at no extra cost
With our Altitude Business Platinum credit card, request one additional cardholder and we’ll waive the annual card fee for the additional cardholder each year.
The primary cardholder is liable for all transactions on the additional card as well as their own card.
Up to 55 days interest free
Receive up to 55 days interest free on purchases when you repay your closing balance in full, by the due date shown on your statement each month.
Learn more about interest free days.
Business Money Tools
From cashflow insights to transaction category tags, our business money tools can help you save time on business admin and in control your business finances.
Learn more about business money tools.
Automated Bank Feeds
Westpac makes tax time easier when you set up automated bank feeds from your Altitude Business Platinum credit card to your MYOB accounting software.
Learn how to set up bank feeds2.
Westpac Protect and Card Security
We have a range of built in technology protecting you and your business 24/7 behind the scenes – from fraud and scam monitoring to our Fraud Money Back Guarantee.
Learn more at How we protect you.
Rewards and Points Earn
An Altitude Business Platinum credit card gives you more choice to redeem your rewards points.
| Altitude Rewards | Frequent Flyer Programs |
|---|---|
|
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Rates and Fees
With an Altitude Business Platinum credit card you can request a credit card limit between $5,000 and $150,000.
Fees |
Amount |
|---|---|
| Variable Purchase rate | 20.24% |
| Variable Cash rate | 20.74% |
| Card Fee (per year) |
$200
|
| Foreign transaction fee | 3% A Foreign transaction fee is payable as a percentage of the Australian dollar value. Applies for transactions in a foreign currency, or in Australian dollars but processed by an overseas merchant or financial institution. Note: It may not always be clear to you that the Merchant or entity processing the transaction is located outside Australia. |
| Cash Advance Fee | 3% of the value of the transaction will apply to each cash advance made on your card account. These charges will appear on your credit card statement directly below the relevant cash advance.
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Frequently asked questions
A business credit card can have personal or business liability. This just means who will repay transactions made on the credit card.
- Personal Liability. The business owner is personally responsible for all transactions on the credit card account. It’s suited for small businesses (including sole traders and partnerships) where the business owner takes personal responsibility for the balance owing on the credit card account.
Applying for Personal Liability
For Personal Liability you will need to provide details of your individual income, employment, personal expenses and liabilities.
- Business Liability. The Business is liable for the payment for all transactions on the facility. It’s suited for business entities where the owners or other responsible individuals would prefer the business, rather than themselves to be liable for the balance owing on the facility.
Applying for Business Liability
For Business Liability applications you will need to provide details of the Businesses income, expenses, liabilities and assets together with supporting information.
An eligible purchase is a transaction made using a business credit card to earn rewards points.
You will not earn points on the following transactions:
- BPAY payments,
- Balance Transfers
- Cash Advance
- Interest and other bank fees and charges
- Government charges (other than GST payable in connection with the purchase of goods or services on which you earn points)
- Purchase refunds and other credits such as cash back, made to your business credit card
Please read the full Altitude Business Rewards Terms and Conditions (PDF 120KB) for more details.
We can help you every step of the way, from what you need to create your business plan, how to fund and set up your business, to helping you grow and protect your business.
Click through to our Startup Business Hub to learn more.
Help when you need it
Things you should know
Fees, charges and credit criteria apply. Read the terms and conditions available above before making a decision.
Up to 150,000 Altitude Rewards Bonus Points Offer (‘Bonus Points’) is available for new Altitude Business Platinum credit card applications which have been approved between 28 January 2026 and 30 April 2026 and meet the promotional bonus points offer criteria. You must spend a minimum of $6,000 on eligible purchases in the first 60 days, from card approval to receive 100,000 Altitude Bonus Points. Points will be issued within 3 months of meeting the minimum spend criteria. Receive an additional 50,000 Altitude bonus points if your account remains open and active for more than 15 months, from card activation. These additional points will be credited to your points balance within 12 weeks, after the first eligible purchase is made in the second year of your account being active. If you do not meet the minimum spend within 60 days of card approval, you forfeit the initial 100,000 bonus points only. However, you are still eligible for 50,000 bonus points in the second year, if your account is active and not in default.
Eligible purchases do not include fees, cash advances, cash equivalent transactions, BPAY, BPAY equivalent transactions, refunds and balances transfers debited from a card account.
This offer excludes: Transactions that have not cleared or have been refunded before the end of the first 60 days from approval, customers who switch or upgrade from another Westpac business credit card product, customers accessing employee and family benefits offers or customers who have held another Business credit card within the last 12 months.
Fees, charges and credit criteria apply and are subject to Altitude Business Rewards Terms and Conditions (PDF 120KB)and Altitude Business Credit Card Conditions of use (PDF 498KB). This offer is not available in conjunction with any other special offers and may be varied or withdrawn at any time.
Earning and redeeming Altitude reward points: You can earn and redeem Altitude rewards points as set out in the Altitude Business Rewards Terms and Conditions (PDF 120KB). You do not receive points if your card account is in arrears for 2 consecutive statement cycles and in other circumstances. Altitude reward points do not expire while you remain an Altitude card holder. You must be a member of the relevant frequent flyer program to redeem Altitude points for frequent flyer points. The terms and conditions of the relevant frequent flyer programs also apply. A joining fee may apply for these frequent flyer programs. Availability of award flights may be limited.
You must have earned a minimum of 3,000 Altitude points before you can redeem any rewards. For Altitude Business Gold cards, a points cap of 20,000 points applies when using either or both cards. Bonus points do not count towards the points cap.
Concierge Services are provided by a third party supplier. For further details including terms and conditions visit www.westpac.tenconcierge.com.
Bank feeds must be set up with third-party service provider before it can be connected in Westpac Online Banking. If your third-party service provider doesn’t appear in the drop-down menu in Westpac Online Banking, you may need to check that your third-party service provider is registered with Westpac. Should there be any changes to your user access or network access levels, you may need to disconnect your bank feed(s) as any access changes won’t impact bank feeds. The products and services offered by third-party service providers are subject to their own terms and conditions and fees and charges. Westpac doesn’t guarantee or endorse the services or products offered by third-party service providers.
*Currently Business Credit Cards and Business Term Deposits accounts aren’t available for third-party service provider’s except MYOB. This may be extended to other third-party service providers in the future.
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